Phishing, scammers and fraudolent
I have not a credit score. Fresh new I find out all this crappy system about than even if you never had debt or loan o bad payment and you have income, saving, debit card, bank account and savig you will not be allow to have a credit card.
This is already a crack in a flaw system. It’s really unaccapteable that in order to be approved for access to a credit you have to be scan and autorized by a private company. Than actually collect your information and cannot guardantee the security of the data and it is not even responsable for the data lost. Where data lost mean all you personal information included, credit card numbers and ssn. See what happen already to Equifax and it could happen also to other company but problably you don’t know.
Then let’s get uniformed and just apply for discovery secured.
I go forward the whole process. Then at the end they asked me the copy of ID and SSN. I did it, but I write on the copy that it was valid only for the ID check for the application of this specific card. All the information was visible and the document totally clear.
A chat rappresentative start to contact me and try to solve a “problem”. He asked me a clean copy of my SSN. After I asked questions, beside bullshit about patriot act and federal rules. He told me that Discovery had a internal procedure that want all “clean and high definition” copy of you documents.
I complain. I don’t want that all my documents get collected in a single spot. I surrended my address, my ID, my signature, my SSN number, evrerityng necessary to a unfaithful employee or an haker to be capable to use my id as is me. Asks for loan, make documents, etc.
So I refuse.
After I checked the status of the request, I had the confirm that it was declined. I get immediately the epiphany that I got an “hard pull” on my credit report just because of that.
I called and started to complain.
Beside crapy and bullshits answers based on an internale instruction books that tell them how to asnwer even if it is totally non sense i find out the follow information.
Discovery will keep your information for 5 years, even if they don’t have any reason to do that.
If you apply for the credit card and you don’t finalize the part that asks to forward the personal documents , it’s like you finalize the subscription and get a sure deny, even if you just refuse to surrend the document.
You have no right of access your own information on Discovery and they will keep them and use them as they like.
So base on that, it’s clear that the system used to Discovery it’s fraudolent and it will force you to go forward in the process even if the request that you got are not specified in any contract or document and you cannot abort you request even if you have plenty right to do it.
I worried, why they can abuse the personal information like that? Even how the can override the law and play this trick without any consequency? How they can state that they are safe if any operator can have full access to my personal informations?
Consumer are totally unsafe